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Life insurance is the most overlooked but also one of the most efficient solutions for retirement income planning. Many people don't realize the history of our income tax. After looking over the picture below, do you feel taxes are going up in the future or down? The picture below was taken from a Wall Street Journal article:

When it comes to your retirement planning, would you rather be paying taxes on your income now or 10, 20, or even 30 years from now, when tax rates could be much higher? Do you want the government to control how much money you're getting from your retirement account by possibly raising taxes? How would you feel if it didn't matter what rate taxes were when you starting taking income from your plan when you retire? 

Life insurance is not just a tool to provide a person's family some tax-free money when they pass away. It's also used for tax-deferred cash accumulation and tax-free loans while you're alive. Not all life insurance policies accomplish this. It's important for policies to be structured correctly according to an individual's situation, and for policy holders to be advised by a licensed professional when getting life insurance.  

Why Do I Call Life Insurance a Super Roth? 

Life insurance policies can act like a Roth account, but with some added bonuses:

  • Put as much money into it as you want and continue to do so as you wish
  • Cash value grows with taxes deferred
  • Tax-free loans
  • Provide an immediate benefit starting day one as a death benefit (a sum of money free of income tax) to beneficiaries.
  • Pull money out whenever you want (very liquid)
  • No better wealth transfer vehicle (estate planning, charities, etc.)
  • Peace of mind

Contact Wolfgang Financial and Insurance Agency LLC for a free review of your situation today!

*These strategies are not in all life insurance types; policies and are not fully explained in detail. It's important to discuss your potential life insurance or current life insurance with a licensed professional.

Posted 11:04 AM

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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Wolfgang Financial and Insurance Agency LLC and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by Wolfgang Capital LLC, a Registered Investment Advisor in the State of California. Insurance products and services are offered through Wolfgang Financial and Insurance Agency LLC. Wolfgang Capital LLC and Wolfgang Financial and Insurance Agency LLC are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of California or where otherwise legally permitted. Neither Wolfgang Financial and Insurance Agency LLC nor Wolfgang Capital LLC provide legal or tax advice. You should always consult an attorney or tax professional regarding your specific legal or tax situation. Wolfgang Capital LLC, Wolfgang Financial and Insurance Agency LLC and Zachary Herzog are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions. Exclusive rights to this material belongs to Wolfgang Financial and Insurance Agency LLC. Unauthorized use of the material is prohibited.

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